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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,418 | $84,236-53.2% | $170,435-76.9% | $70,126-43.8% |
| Participation rate | 66.7% | 70.8%-4.2pp | 83.6%-16.9pp | 69.5%-2.9pp |
| Annual return | 25.09% | 23.06%+2.0pp | 205.94%-180.9pp | 73.15%-48.1pp |
| Employer contribution / active EE | $2,846 | $3,387-16.0% | $5,432-47.6% | $2,343+21.5% |
| Participant deferral / active EE | $5,208 | $3,086+68.8% | $4,939+5.4% | $3,332+56.3% |
| Admin fee / account holder | $321 | $5,698-94.4% | $13,881-97.7% | $4,645-93.1% |